More Obamacare TRUTH

amazing, first you agree with me that we need to stop subsidizing foreign governments then you say that what I've written is a "pitiful argument"


brilliant reply -

 

no, you want the rest of us to continue to support you and anyone you think I should. Did you ever bother to even ask? Nope, you just demand with no thanks..............that's what I'm really against.

 

It would be a default insurance which would be under many models Florida uses MMA's (similar to an HMO system) and places people like me in them, we get to choose from what plans are available and they pay providers and all and mine does a damned good job by me and the companies seem to make money or they wouldn't be in the system. My waits to see doctors are pretty modest not much different from any other plan and I can see my PCP usually in a day or two. Why not do something like that but I expect some sort of rationing to be in place like save my insulin I get generic drugs unless I need a name brand and that would be like pulling teeth. But beggars can't be choosers.

But we need something for the poor and uninsured, while they work on boosting insurance to people through employers and the like.

 

more Obamacare TRUTH = continued success:




https://www.facebook.com/acasuccess...5686310306708/346283675580303/?type=1&theater




Unlike the far right, every true patriot appreciates the saving of money and lives.

 

Nobody sez it better than real Americans on the official healthcare.gov page.

Zack Williams
A lot of people are going to need this garbage because carrying all of that water for Obama is hard on your back. If you aren't smart enough to vet the politicians on your own side of the isle, you really aren't smart enough to be making your own decisions anyway.

(*)·Jan 17 at 6:26am

https://m.facebook.com/story.php?story_fbid=787600524622518&id=130163127032931&refid=17

 

More Obamacare TRUTH

Small Firms Dropping Health Coverage Because of ObamaCare

Read More At Investor's Business Daily: http://news.investors.com/blogs-cap...verage-because-of-obamacare.htm#ixzz3PkWFklBa

 

Here is some truth if you believe the CBO:

and, lower premiums usually mean higher deductible and/or annual out of pocket(must be met before insurance kicks fully); if you have a $2500.00 deductible and a $2500.00 or more out of pocket; it is likely that unless you have major health issues, you will not meet you deductible and out of pocket and will be paying your hospital, diagnostic tests costs yourself. So for healthy individuals they will not benefit monetarily by purchasing insurance. Since Insurance Companies can still charge basically what they want, I have noticed that even paying higher premiums is no longer a guarantee that the deductible and out of pocket will be affordable. So seems to me the cost has shifted from premiums to deductibles and annual out of pocket, and, co payments for various benefits. (i.e. instead of paying $30.00/office visit I have noticed many plans now require a $50.00 co payment) Odd since the amount they pay physicians for office visits has basically stayed the same.

 

For many, many years, this is exactly what conservatives suggested that insurance should be. In fact, they ridiculed the very use of the word "insurance" to describe health insurance plans that covered anything less than major health issues. "Imagine if your auto insurance paid for oil changes," they'd say. Consumers need more "skin in the game," they'd argue. The best way to control costs was to sideline the third party payers as much as possible by putting the primary decision-making responsibility in the hands of consumers via higher deductibles and health savings accounts.

Are they done with that line of thinking now?

 

so, all of a sudden the Dumbocrats do it and it a Godsend? Do you realize how little of your privacy remains?

 

I'm not arguing it's a godsend. My point is that, at a high level, if you had asked almost anyone a few years ago what the Platonic ideal of health reform looked like, the high-level answer you would've gotten would've been:

On the left: single-payer health care at the national level with no deductibles to centralize financing of health services and maximize access
On the right: competition between commercial health insurers with higher deductibles (with the option to pay for cost-sharing from a health savings account) to introduce price sensitivity in consumers

At this point, it's indisputable that the system has moved more in the direction of what folks on the right wanted, at least when it comes to the basic of structure of financing health services in this country.

 

Nothing is going to change for the public as long as insurance companies are paying big donations to politicians to work everything in their favor. The ACA may have helped a few but in reality it hurt the majority of the public. Cost have shifted to the individual in high deductibles and allowed less to be paid out by the insurance companies.

This should have automatically reduced everyone's premiums significantly but none of us experienced it. This means in all intense purposes the ACA was designed to increase the profit margin for the health insurance industry. If you follow the stockmarket that fact has already been proven.

The ACA did nothing to lower cost for anyone but actually increased revenue for the government that wanted more from us due to the baby boomer generation that will generate income in healthcare services, their stock holders, etc.

 

How about a different view point?

Endlessly slapped by ObamaCare

By Justin Haskins

January 26, 2015
I’m sorry sir,” the polite Healthcare.gov customer-service agent said. “There’s nothing I can do. You’re either going to have to enroll in Medicaid or you’re going to have to pay the full health-insurance rate.”

“The rate you quoted earlier?” I asked. “That’s nearly 30 percent higher than my current insurance bill, I just can’t afford it.”

“You’ll have to pay the full rate, yes,” the agent replied.

“I don’t understand,” I explained. “I have plenty of money to pay you a reasonable rate, but I can’t afford to pay the same rate a millionaire would be asked to pay. Why can’t I just receive a partial subsidy? I’m willing to pay more than what Medicaid offers.”

“Sir, that’s just not how the system works.”

Right. That’s not how ObamaCare works; it doesn’t work at all.

I was 26 when my graduate school informed me in 2013 that thanks to “usage rates of the plan, changing health-insurance regulations, and the administrative workload that is involved in managing a plan” after the passage of the Affordable Care Act, students could no longer buy health coverage through the school.

So much for President Obama’s promises of “if you like your plan, you can keep your doctor, you can keep your plan.”

I had health insurance. I liked it. But that plan disappeared.

And college officials confirmed my suspicion that ObamaCare was the culprit. “It’s just too expensive to operate under the new health-care regulations,” I was told.

So there I was: A struggling grad student with no health insurance, and unable to afford unsubsidized ObamaCare plans I’d hardly, if ever, use.

But Uncle Sam was there on his white horse, ready to save my day with . . . Medicaid?

There’s nothing wrong with getting government help in a time of need, but I wasn’t in a time of need. I had some money from student loans, and no serious health concerns; my career was getting started and my wife was less than two years from graduating medical school.

Call me crazy, but in my book Medicaid is a last resort, not a first option.

Faced with the choice of either violating a strong conviction by going on Medicaid or signing up for ObamaCare insurance I couldn’t afford, I chose a third option: short-term insurance.

Unlike traditional health plans, short-term plans are generally available only to healthy buyers and last for a set period.

After that period ends, the insurer can choose not to renew, and often won’t if you’ve developed a serious or costly illness such as cancer.

That got me through 2014; for this year, I’ve signed up for an ObamaCare plan that costs roughly 30 percent more than that plan, though it has a similar deductible and coverage. I’m not happy about the increase in cost, but I’m more than willing to pay into the system now that I can afford it.

What is incredibly frustrating, however, is that I now have to pay ObamaCare’s tax (or is it a fine?) for last year, because my short-term plan (like most) doesn’t count as buying “adequate insurance” under ObamaCare’s mandates.

It doesn’t matter that my short-term plan was comparable to other “catastrophic” plans offered on the federal exchange. The ObamaCare law prohibits the overwhelming majority of short-term plans from qualifying as “quality” coverage.

The reason is obvious. If young, healthy people — the group that the American Enterprise Institute’s Scott Gottlieb and Kelly Funderburk say is being “ripped off” by ObamaCare rates — opt out of the ObamaCare exchanges, the exchanges will collapse in a “death spiral” because not enough healthy folks will be paying in to make up for the less-healthy ones, who need more care.

My experience perfectly highlights the insanity of the Affordable Care Act. It forced me — a paying, insured, well-educated, healthy American — out of the coverage I’d had, then tried to push me into Medicaid.

The program wouldn’t let me pay more when I offered to pay a higher rate to stay out of Medicaid, and it provided only one other option: paying the highest rate available for insurance I didn’t use once in 2014.

Rather than take the easy route and enroll in Medicaid, I paid my own way with a private plan of my choosing. Now, instead of being rewarded for saving taxpayer money, I’m being punished with a fine of at least $95. What a country!

Justin Haskins is a writer and editor for The Heartland Institute, a Chicago-based free-market think tank.

http://nypost.com/2015/01/26/endlessly-slapped-by-obamacare/

My suggestion has never even been questioned in here. I suggested a small tax increase to take care of those American Citizens that were in dire need. Instead, we have been left limping along in a ditch. This will not work.
Here's the difference:
when we were allowed to take care of our own insurance, private plans, sure we put profit in the hands of the insurers, but they had good motivation to profit and they provided services. I paid more than some for insurance, and less than others and had good care and catastrophic care to boot. Now I have private insurance, paying about 3 times more than before AND I get to pay more on my taxes. A $95 penalty for NOT having ACA, even though I have my own insurance. What a racket, what a racket..................

 

Under ERISA, 90 million people are employed by a self-insured employer and most of these employees do not know it. The reason why they do not know it is because they receive a ID card from an insurance company that says they are insured. What they do not know is the average premium of $5,000 or higher for single coverage is not paid to the insurance company. It is deposited in the employers bank account where the employer only pays the health insurance company an administrative fee to use their network of providers.

An employee sees a healthcare provider and those charges are submitted to the insurance company but the company doesn't actually pay the claim. The employer pays the claim at a reduced rate to the insurance company and the company then pays the provider of care.

The idea that everyone pays into a large pool is not happening with self insured employers because the pool only exists with the number of employees that the employer has on his payroll. This means that 90 million people who are considered the healthiest of the population are not part of any insurance company's pool.

Now if healthcare was so expensive then why do these employers choose to cover their own employee's medical claims? It is because healthcare premiums are far more expensive to pay on a yearly basis then the occasional healthcare bill the employer pays.on their employees. Employers know the profits made by health insurance companies so they know those premiums are highly inflated.

This is why you never heard any large corporation complaining about the ACA. In fact it benefited them even more because now they had a excuse to raise deductibles and other out of pocket expenses for their employees while reducing the amount of money that the employer pays for healthcare claims.

This increased profit for major corporations and their stock holders and eliminating them from attack from their employees who are ignorant that their employer is screwing them too.

 

That is not an issue their state clearly expanded Medicaid, under the ACA, so their income placed them in Medicaid and therefore that was under the law to be their insurance which would eliminate the tax or their paying anything towards health other than what Medicaid co-pays were likely low or non-existent.

 

you completely missed the fact that he had insurance before and it was affordable..................I sure hope you didn't miss that......so young to be on Medicaid.

 

So he lost a policy it was being replaced with a virtually free option (or completely free) that is likely more affordable than his old unapproved plan, if his state used an MMA/HMO option it would likely be free for him so free to me trumps paying for a given thing.

 

....there ain't no such thing as free.................................libs...........................
whatever, he was caught up in the scheme.....Yu can defend this anyway you want. You can either lie through statistics, or outright lie about the needs of the few outweigh the needs of the many. Next week it'll be the needs of the many outweigh the needs of the one...............
insurance at gunpoint is not insurance. It is mob styled enforcement.

 

First of all, competition should equal lower premiums, lower deductibles and lower out of pocket. But, in order for consumers to be in control they must be allowed to select the benefits and coverage they personally need and want to pay for. Not once prior to passage of PPACA did they say the individual mandate would also include "minimum essential benefits" decided on by HHS and never voted on by Congress. People still have no control over selecting health insurance. Hospitals are still treating millions of uninsured and will continue to do so. The number of uninsured seeking emergency care will rise due to Obama giving illegals amnesty.

This whole thing is a big mess.

 

More Obamacare TRUTH

Obamacare program costs $50,000 in taxpayer money for every American who gets health insurance, says bombshell budget report

And that does not include paying for premiums or out of pocket costs.

Remember that 900 billion it was supposed to cost? Gonna be around 2 trillion and still leave around 30 million uncovered.

 

Lets not forget that it was the Federal government that made Health Insurance an "employer" issue when after WWII they begged employers to offer Health Insurance as an employee benefit. And, individual, non employer policies mainly covered hospitalization and the premiums were far less. What has increased the cost of insurance since the 1960"s is: 1. costly government regulations, unions demanding more benefits and lower contributions by employees to the cost of insurance and insured's demanding lower premiums with more benefits 2. technological advances requiring providers purchase high cost equipment to perform advanced diagnostic tests. 3. research and development of pharmaceuticals that are costly to develop and take years for FDA approval. 4. lack of regulation of the health insurance industry, unlike telephone, electric, cell companies regulated by the Sherman Act and other regulations and laws. Rising costs to do business including rent, electric, gas, supplies, misc insurance, unemployment insurance, employment taxes. Providers of health care were able to charge a fee for their services that covered their overhead and provided them a profit commensurate with their education, experience and difficulty of the service they were providing. That is no longer true. While Lawyers, Accountants, Plumbers, Electricians are able to charge any fee they choose to, Medical Providers are forced to accept sub-standard payments for their services. The Federal Government has continued to set the pace when it comes to insurance reimbursement approved for various services and private health insurance has followed. At some point, if low reimbursements continue, physicians will simply stop accepting any insurance and require the patient pay up front or sign a payment agreement and the patient then forced to seek reimbursement from their insurance on their own. Same for Hospitals and pharmacies and medical equipment, home health care and nursing home care businesses.

If one wants insurance that pays "every" medical charge they incur, then one should be prepared to pay a higher price for that coverage. and as mentioned in a thread above, l
"auto insurance" doesn't pay for maintenance of your care" and homeowners doesn't pay to replace rotted siding. If they are mandated to by the federal government then be prepared for your premiums on these types of insurance to rise.

Nothing about the PPACA has lowered the cost of "providing medical care". That is a separate issue. The PPACA was suppose to lower the cost of premiums and the cost to the Government to provide Medicare. In regards to lower federal expenditures on Medicare, the majority of savings comes from simply reducing what they agree to pay providers for their services, period.

 

CBO Now Says 10 Mil Will Lose Employer Health Plans Under ObamaCare

The Congressional Budget Office now says ObamaCare will push 10 million off employer-based coverage, a tenfold increase from its initial projection. The "keep your plan" lie just gets bigger and bigger.
The latest CBO report is supposed to be a big win for the Obama administration because the projected costs are 20% below what the CBO first projected in 2010.
But the CBO report also shows that ObamaCare will be far more disruptive to the employer-based insurance market, while being far less effective at cutting the ranks of the uninsured, than promised.
Thanks to ObamaCare, the CBO now expects that 10 million workers will lose their employer-based coverage by 2021.
This finding stands in sharp contrast to earlier CBO projections, which at one point suggested ObamaCare would increase the number of people getting coverage through work, at least in its early years.
The budget office has, in fact, increased the number it says will lose workplace coverage every year since 2011.
The latest CBO finding also thoroughly debunks the many promises ObamaCare backers made when selling the law — about how those with work-based coverage had nothing to worry about.
ObamaCare architect Jonathan Gruber, for example, said the law was specifically designed "to leave those who are happy with their employer-sponsored insurance alone."
Then Washington Post reporter Ezra Klein reassured readers that "for most companies ... there's little reason to expect their behavior will change."
The White House insisted that "respected independent analysts have concluded that the number of Americans who get their health insurance at work will not change in a significant way."
Obama endlessly repeated his iron-clad guarantee that those who liked their plans could keep them.
And those who suggested at the time that employers might take advantage of ObamaCare to offload their health costs onto taxpayers by dumping workers into the government exchanges were told to read those now-discredited CBO reports.
At the same time CBO was upping ObamaCare's impact on work-based insurance, it's been downgrading the impact on the uninsured.
The CBO now says ObamaCare will leave 31 million uninsured after more than a decade, up from its 23 million forecast made in 2011.
Put another way, the CBO promised that ObamaCare would cover 60% of the uninsured.
Now it says the program will cover less than half, despite spending $2 trillion to subsidize premiums and expand Medicaid.
Does anyone really believe that if Obama announced a plan to spend $2 trillion on a program that would leave 31 million uninsured and force 10 million workers off their employer-based insurance, that even Democrats would have voted for it?

http://news.investors.com/ibd-editor...oyer-plans.htm

This whole thing is a dismal failure. It was intended to be that way. All BamBam did was raid the private sector for 10% of the private wealth and put it under fed control. I'm sure he'll hand le this extra cash like he has all the extra cash.
It was merely a hostile corporate takeover.
Socialist/communists plans look good on paper, but never work.
We'll have more people uninsured than before....................thanks you traitorous bastard

 

Obamacare cost to be 20% less than forecast, budget office says

Source: LA Times

President Obama's healthcare law will cost about 20% less over the next decade than originally projected, the Congressional Budget Office reported Monday, in part because lower-than-expected healthcare inflation has led to smaller premiums.

So far, the number of uninsured Americans has dropped by about 12 million. By the end of 2016, 24 million fewer Americans will lack insurance, the nonpartisan budget office forecast.

Excluding immigrants in the country illegally, who are not eligible for coverage under the law, only about 8% of Americans under age 65 will lack insurance by the time Obama leaves office, the budget office's latest report on the law estimates.

Of the Americans who will remain uninsured once enrollment has fully ramped up, the budget office estimates that about 30% will be people in the U.S. without legal authorization. An additional 10% will be people who are too poor to buy insurance on the exchanges, but who live in states that have not expanded Medicaid. The remaining 60% will be people who choose to not buy insurance or enroll in Medicaid.

Read more: http://www.latimes.com/nation/politics/politicsnow/la-pn-obamacare-cost-20150126-story.html





ACA is saving money and lives EVERY day - and that's the real Obamacare TRUTH.




Thank you President Obama.

 

(*)(*)(*)(*) Obama and all his muslime buddies..and his Progressive Communists supporters as well.................................
what ya gonna do once yer plan runs out?

 

The question is -Was it a real insurance policy? Lots of stories around about people who thought they had good insurance until they made a claim and then found out that they didn't have the coverage they thought they had.